1、 Whitecap ConsultingNORTH OF ENGLAND FinTech Report 20252 Whitecap Consulting Whitecap ConsultingTable of contentsThis report has been supported by the following organisations and initiatives:FinTech in the North-10 Key Facts3Forewords4Executive summary8Key findings&recommendations105 big ideas for

2、FinTech in the North of England14North of England FinTech Ecosystem18Regional highlights19Financial sector23FinTech sector28Education,research&innovation33Funding&investment38Ecosystem connectivity40Hubs&support44Further information47FinTechs located in North of England48Data analysis methodology56S

3、ponsor&partners57Contributing organisations60This report is the first ever analysis of the FinTech sector across the North of England,spanning three of the 8 regions of England outside London(North East,North West,Yorkshire&Humber).Whitecap ConsultingWhitecap Consulting is a regionally focused strat

4、egy consultancy which works across a wide range of sectors,including Financial Services,Tech,and Education,with a focus on emerging tech-driven sub sectors such as FinTech and LegalTech.Project TeamJulian WellsDirector,Financial Services&FinTech Lead Chloe Thompson ConsultantQueralt Smith VilaJunior

5、 ConsultantSponsors:Partners:3 Whitecap Consulting1.FinTech is adding more than 5 billion in GVA to the Norths economy each year,forecast to reach 6bn by 2030.2.The FinTech sector in the North includes close to 70,000 people in FinTech roles across Financial Services,Tech and FinTech firms.3.The Nor

6、th is home to 400 FinTech firms,directly employing approximately 20,000 people(equating to 12%of the UKs FinTech firms),generating 1.5 billion GVA.4.Key strengths in Payments,Lending,WealthTech and Banking.5.Leading FinTech brands such as Atom Bank,LHV Bank,OakNorth,Paynovate,PEXA,Starling Bank,Zemp